The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$4,319
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,453
−HK$136/mo
Today · 4.125%
HK$4,589
baseline
▲ 0.50% · 4.625%
HK$4,869
+HK$280/mo
Deposit HK$947K · loan HK$947K · min. income ≈ HK$9,178/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,804
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,933
−HK$131/mo
Today · 4.125%
HK$5,064
baseline
▲ 0.50% · 4.625%
HK$5,331
+HK$267/mo
Deposit HK$947K · loan HK$947K · min. income ≈ HK$10,128/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,182
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,343
−HK$164/mo
Today · 4.125%
HK$5,507
baseline
▲ 0.50% · 4.625%
HK$5,842
+HK$335/mo
Deposit HK$758K · loan HK$1.14M · min. income ≈ HK$11,014/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,765
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,920
−HK$157/mo
Today · 4.125%
HK$6,077
baseline
▲ 0.50% · 4.625%
HK$6,397
+HK$320/mo
Deposit HK$758K · loan HK$1.14M · min. income ≈ HK$12,154/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,046
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,234
−HK$191/mo
Today · 4.125%
HK$6,425
baseline
▲ 0.50% · 4.625%
HK$6,816
+HK$391/mo
Deposit HK$568K · loan HK$1.33M · min. income ≈ HK$12,850/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,726
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,906
−HK$183/mo
Today · 4.125%
HK$7,089
baseline
▲ 0.50% · 4.625%
HK$7,463
+HK$374/mo
Deposit HK$568K · loan HK$1.33M · min. income ≈ HK$14,178/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,773
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,015
−HK$246/mo
Today · 4.125%
HK$8,261
baseline
▲ 0.50% · 4.625%
HK$8,763
+HK$502/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,522/mo (50% DSR)
Upfront cash ≈ HK$189K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,648
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,880
−HK$235/mo
Today · 4.125%
HK$9,115
baseline
▲ 0.50% · 4.625%
HK$9,595
+HK$480/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,230/mo (50% DSR)
Upfront cash ≈ HK$189K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).